Blue Collar Wealth
Presented by Stone House®
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174. Your PSERS Pension, Explained: Retiring From a PA Public School
If you’re a Pennsylvania public school employee within a few years of retirement, PSERS is the foundation of your plan — but the decisions around it are permanent. In this episode of Blue Collar Wealth, four Stone House advisors walk through the PSERS pension-option election, your retirement estimate, Social Security timing, and unused sick and vacation pay. Along the way, we cover what a full-picture retirement plan actually looks like, and why the advisor who visits your school once a year is one option, not the only one.
What We Cover in This Episode:
- How PSERS works, and where educators get into trouble
- Getting your PSERS estimate and Social Security numbers right
- The pension-option election — and why it can’t be undone
- What happens to unused sick, vacation, and incentive pay
- IRA vs. 403(b): what matters if you’re retiring before 59½
- Rollovers, risk, and protecting what you’ve built
- Why the advisor who visits your school is one option, not the only one
- What a holistic, fee-based firm does differently
Who This Episode Is For:
- Pennsylvania public school employees within a few years of retirement
- Spouses and family members thinking through the decision together
- Anyone who’s only ever heard from the advisor who visits their school
If this conversation raises questions about your own PSERS decisions, consider grabbing our free Pre-Retirement Checklist, attending an upcoming seminar, or scheduling a one-on-one conversation with a Stone House advisor.
Pre-Retirement Checklist (Public School Employee Edition): RetireFromSchool.com/checklist
Public School Employee Retirement Seminar — Oct. 14, Simpson, PA (North Lackawanna County): RetireFromSchool.com/seminar
Request a Future You Analysis / advisor consultation: RetireFromSchool.com/future-you
Disclosure:
Stone House Investment Management, LLC is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Informational only; not investment, tax, or legal advice. All investments involve risk, including possible loss. Scheduling a meeting or attending a seminar does not create an advisory relationship.
Stone House Investment Management is not affiliated with or endorsed by the Pennsylvania Public School Employees’ Retirement System (PSERS).
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